Don't call it a branch. Executives at Security First Network Bank prefer the term "city office."

Semantics aside, some who have seen the Internet-based bank's first physical facility in Atlanta hail it as a prototype of the branch of the future. No teller lines, no stacks of deposit slips. Just a small staff of lending and technology experts, dressed "business casual," who help customers surf the World Wide Web and invite them to drink free cappuccino.

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